Payday Loans in South Richmond Hill, New York

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No payday loan companies in South Richmond Hill, NY. Consider companies in other cities:

Company nameAddressZip codePhone number
Raymond James Financial Services 33 Church St2nd Floor, Fredonia, NY 14063 +1 (716) 672 - 7800
Chase Bank 385 NY-25A Ste 5, Miller Place, NY 11764 +1 (631) 473 - 6482
Walmart Money Center 2 Gannett Dr, Johnson City, NY 13790 +1 (607) 240 - 5040
Citigroup 580 Crosspoint Pkwy, Getzville, NY 14068 +1 (716) 730 - 6000
Teachers Federal Credit Union 5439 Sunrise Hwy, Holbrook, NY 11741 +1 (631) 698 - 7000
M&T Bank 1 E Main St, Corfu, NY 14036 +1 (585) 599 - 4511
Ithaca Neighborhood Housing Services INHS 115 W Clinton St, Ithaca, NY 14850 +1 (607) 277 - 4500
Tompkins Trust Company 36 Main St, Cortland, NY 13045 +1 (607) 662 - 0376
Citibank 730 Veterans Memorial Hwy, Hauppauge, NY 11788 +1 (631) 533 - 9730
BNY Mellon 111 Sanders Creek Pkwy, East Syracuse, NY 13057 +1 (315) 414 - 3000

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in South Richmond Hill, NY, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Southampton, NY, No Credit Check Loans in Spring Valley, NY, Payday Loans in Staten Island, NY, Payday Loans in Syracuse, NY, Payday Loans in Troy, NY, Short-term Loans in Uniondale, NY, Payday Loans in Utica, NY and Payday Loans in Valley Stream, NY. But also, you can apply for a loan online, not coming out of your home. Just fill out a simple application on our website and we will connect you with trusted direct lenders in South Richmond Hill, NY.

Beautiful sights of South Richmond Hill, NY

Payday Loans Available in South Richmond Hill, NY By The Following ZIP Codes:

00000

Are Payday Loans Legal In South Richmond Hill, New York?

Payday Lending is Prohibited in New York

New York Loan Regulations

Legal StatusProhibited
Interest Rate (APR, %)Prohibited
Maximum Loan AmountProhibited
Minimum Loan TermProhibited
Maximum Loan TermProhibited
Number of Rollovers AllowedProhibited
Finance ChargesProhibited

South Richmond Hill, NY payday loan calculator

Understanding Payday Loans in South Richmond Hill, New York

Payday loans, also known as cash advances, are short-term loans that are typically repaid on the borrower’s next payday. These loans can be helpful to people who need quick access to funds in emergencies or unexpected situations, but they can also be very expensive and carry high interest rates and fees.

It’s important to note that payday loans are illegal in New York State. Under New York law, it is illegal for lenders to make payday loans, whether in person, by telephone, or over the internet.

What are the Risks of Payday Loans?

The risks of payday loans can be significant, as borrowers can easily find themselves trapped in a cycle of debt. With high interest rates and fees, the amount owed can quickly surpass the amount borrowed, making it difficult for borrowers to pay off the loan and cover their expenses.

Additionally, lenders may require access to a borrower’s bank account to withdraw money as soon as it becomes available. This can make it difficult for borrowers to manage their finances and can lead to overdraft fees and other financial difficulties.

There have been many cases of borrowers in other states who have found themselves trapped in a recurring cycle of debt due to payday loans. This highlights the importance of avoiding payday loans altogether, and seeking help from reputable financial resources when in need of financial assistance.

What are the Alternatives to Payday Loans?

While payday loans may seem like a quick fix to a financial problem, there are many alternatives that are more affordable and less risky. One option is to reach out to a local credit union or community bank for a small loan at a lower interest rate. Another option is to explore government assistance programs, such as SNAP (Supplemental Nutrition Assistance Program) or LIHEAP (Low Income Home Energy Assistance Program).

It can also be helpful to work with a financial counselor or advisor, who can provide guidance on budgeting and managing finances to avoid the need for short-term loans altogether.

Interesting Facts about Payday Loans

  • In 2016, the average payday loan borrower in the United States took out eight loans per year.
  • Payday loans are illegal in 14 states, including New York.
  • The average APR (annual percentage rate) for a payday loan in the US is 391%.
  • In 2016, 80% of payday loans were rolled over or renewed, meaning borrowers took out another loan to pay off the original loan.

Apply Now with TheGuaranteedLoans

If you are in need of financial assistance, TheGuaranteedLoans can help connect you with potential lenders. We are a connector service, not a direct lender, which means we work with a network of reputable lenders to provide you with options that best fit your financial needs.

Applying is easy – simply fill out our online application, and we will match you with a potential lender. Remember to be cautious and carefully consider the terms and conditions of any loan before signing.

Financial struggles can be tough, but with the right resources and support, it is possible to overcome them. Avoid payday loans and seek help from trusted financial organizations to find the best solution for your unique situation.

F.A.Q.

What are the penalties for offering or taking out a payday loan in South Richmond Hill, New York?

Offering or taking out a payday loan in South Richmond Hill, New York is considered a criminal offense and can result in fines and imprisonment.

Are there any exceptions to the payday loan prohibition in South Richmond Hill, New York?

No, there are no exceptions to the payday loan prohibition in South Richmond Hill, New York.